Does it really disrupts the current financial systems? I think that is debatable. But, as it is a new addition to the monetary system in general, it probably adds more in the innovation and adaptation area.
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You are correct that it is not as disruptive as using purely bitcoin or purely HBD, but it's blockchain based on one layer and that as you point out is progress. As people use it they will understand the freedoms it can provide, so they don't use the pathway back to fiat. They stay on the blockchain and so does their money. But first people need to crawl, then walk and later run!
:)